Call reports 2005
PIONEER STATE BANK — 2005
What PIONEER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,430,000 | 25,226,000 | 25,626,000 | 25,942,000 |
| Total loans | 15,258,000 | 15,996,000 | 16,143,000 | 14,477,000 |
| Allowance for loan losses | 185,000 | 188,000 | 191,000 | 193,000 |
| Securities available for sale | 7,301,000 | 7,395,000 | 7,607,000 | 7,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,397,000 | 19,300,000 | 18,739,000 | 20,026,000 |
| Interest-bearing deposits | 16,966,000 | 17,273,000 | 16,846,000 | 17,798,000 |
| Noninterest-bearing deposits | 2,431,000 | 2,027,000 | 1,893,000 | 2,228,000 |
| Equity capital | 3,516,000 | 3,657,000 | 3,701,000 | 3,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 720,000 | 1,081,000 | 1,453,000 |
| Interest expense | 107,000 | 232,000 | 370,000 | 527,000 |
| Net interest income | 236,000 | 488,000 | 711,000 | 926,000 |
| Noninterest income | 22,000 | 49,000 | 78,000 | 106,000 |
| Noninterest expense | 162,000 | 331,000 | 492,000 | 655,000 |
| Provision for loan losses | 0 | 3,000 | 6,000 | 9,000 |
| Pretax income | 97,000 | 204,000 | 292,000 | 369,000 |
| Income tax | 28,000 | 59,000 | 81,000 | 111,000 |
| Net income | 69,000 | 145,000 | 211,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,489,000 | 3,575,000 | 3,651,000 | 3,632,000 |
| Total capital | 3,674,000 | 3,763,000 | 3,842,000 | 3,825,000 |
| Risk-weighted assets | 15,403,000 | 17,558,000 | 15,957,000 | 16,664,000 |